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Reply to "CareFirst HDHP — what am I missing?"
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[quote=Anonymous][quote=Anonymous]I've had it for the past 2 years and am switching to GEHA standard as I am hoping for a more straightforward plan. I felt like I've had to pay a lot out of pocket even after the deductible. Some of it could be because I had imaging done and the radiologist ended up being out of network which is annoying. For example, I got an MRI at Sibley and the imaging was covered but not the radiologist's fees. A mammogram that was diagnostic not preventive was not covered. [/quote] That's a function of the Insurance agreement and not the plan. For example, my company has BCBS PPO and HDHP offerings. The network and rules are exactly the same. However, the deductible and copay for covered services are different. If I was in the same boat as you, BCBS would not have covered the radiologist or the mammogram in both plans. Check the rules.[/quote]
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